Young Smart Money

The Financial Wolf is one of the fastest growing YouTube creators in the make money online niche at only 18 years old. Today we are sitting down with Will a.k.a The Financial Wolf to talk YouTube growth, side hustle ideas, and the future of his YouTube channel. Enjoy!Add us on Instagram!TheFinancialWolfAppleCriderOfficialWill's YouTube channel blew up last year when a video called "I Sold Candy At School For 1 Week" got almost 1 million views. Since this video took off, Will has doubled down on his YouTube channel while still being in high school and has been able to scale his channel to over 60,000 subscribers.At the same time, he has continued to try out different methods of making money for teenagers beyond selling candy at school. Financial Wolf has had success with Shopify dropshipping, reselling, vending machines, and a host of other side hustles.While pursuing these make money strategies for teenagers, Will has been able to make over $60,000 before turning 18 and document the entire process

These are THE WORST credit cards you will ever find. After spending hours searching through the darkest corners of the internet, these 5 credit cards are hands-down THE WORST in existence.Add me on Instagram! - AppleCriderOfficialNot all credit cards are created equal. Some can be great tools for scoring free travel or getting rewarded for spending you were already doing. BUT some credit cards are absolutely terrible and should be avoided like the plague.These credit cards charge their user's hefty fees for things they don't need and provide TERRIBLE customer service and support. Many of the companies on this list have BBB and TrustPilot profiles full of complaints from people who were unable to close their card once they realized how bad it was.Many of the cards on this list are what's known as Fee Harvesters. That means they're going to charge you annual fees, monthly fees, application fees, activation fees, and many more. SO that by the time you actually get a card like the First Premier Ba

Getting rejected for a credit card sucks. But fortunately, you can still get approved for a credit card even if you were initially rejected. In this video, I'll break down how I was able to get approved for 4 credit cards that I was initially rejected for.Add me on Instagram! - AppleCriderOfficialI've been rejected for my fair share of credit cards (at least 6), but of those, I was able to get 4 of the rejections reversed and actually get approved for the credit card on the spot. I was able to do this by calling up the credit card's reconsideration line and making a case for why I should be approved.A credit card reconsideration line is exactly what it sounds like, a number you can call if you want to be reconsidered for a credit card. Most banks have a recon line that you can call and the process is pretty straightforward.But, you need to know what to say when you call recon. In this video, I'll give you a script to use when calling a bank's reconsideration line as well as some of the mos

Building your credit as a college student is huge, and thankfully there are a ton of good credit cards for college students! Unfortunately, there are also a ton of bad credit cards marketed to college students that you'll want to stay far away from.Add me on Instagram! - AppleCriderOfficialIn this video, we'll be going over the best credit cards for students in 2021. College students have way more options than they realize when it comes to choosing a first (or second) credit card, and some of these options flat out suck.There are a bunch of predatory companies targeting college students for credit cards that will hit them with ridiculous fees and make their lives terrible. But at the same time, there are some amazing student credit cards out there that will let college students build their credit and rack up rewards at the same time.In order to make it on to the list of best college student credit cards for 2021, each credit card had to have:1) No fees2) Easy approval for college students3) Good rewar

If you are thinking about cancelling a credit card, you are likely making a big mistake. When you cancel a credit card, you immediately hurt your credit score in a big way. In this video, I'll break down what you should do instead to build your credit score.Follow me on Instagram! - AppleCriderOfficialIf you have a credit card that you no longer use, you might have thought about cancelling it. I'm here to tell you that this would be a very bad idea. Building your credit score is a process that takes a long time and one misstep can have a huge impact.Cancelling a credit card is a massive mistake because it negatively impacts all 5 of the criteria that make up your credit score. For a full breakdown of those, check out this video: https://youtu.be/yB-iv6zSsMMFortunately, there's a much better solution than cancelling your credit card that is easy to do and will end up boosting your credit score in a big way.Now if you have a credit card with no annual fee that you are thinking about cancelling, just

Credit Karma is a free service for checking your credit score. However, Credit Karma also has a host of features that can end up saving you some significant cash. In this Credit karma review, I'll break down how you can use Credit Karma for the greatest effect.Add me on Instagram! - AppleCriderOfficialMost people have heard of Credit Karma before, but most people don't know how to use Credit Karma to increase their credit score. By fully taking advantage of Credit Karma, you can significantly boost your credit score and in turn, save tens of thousands of dollars throughout your life.Over the last 3 years, I've been able to use Credit Karma to build my credit score from zero to over 800! In this video, I'll break down exactly how I did it and how you can do the same.One complaint that many people have with Credit Karma is that the credit scores shown are inaccurate and that you're better off using a service like MyFICO. This is incorrect, and the credit scores on Credit Karma are in fact ac

In this video, I'm breaking down exactly how you can grow your credit score to 800 and above in no time. There are a number of strategies that I have used to quickly increase my credit score over the last few years and today I'm going to show you exactly how I went from 0-800 FAST.Add me on Instagram! - AppleCriderOfficialIncreasing your credit score is crucial, especially for people in their 20s who are looking to secure a solid financial future. I started building my credit when I was 18 and by the age of 20, my score had reached over 800. The strategies that I used to create this big credit score increase aren't difficult, but they're also not very popular.There are 5 key credit score criteria that you need to optimize in order to build your credit score. In this video, I'll be breaking down each of these criteria as well as providing actionable strategies that you can use in order to improve each aspect of your score.If your goal is to reach an 800 credit score in 2020 or 2021, this vi

Robinhood has crossed a line...well a number of lines. I'm leaving Robinhood and never looking back. In this video, I'll break down the 4 reasons I'm pulling my money out of the popular investing app.Add me on Instagram! - AppleCriderOfficialI started investing with Robinhood back in 2017 and was initially really excited about the prospect of a commission-free trading platform. Before switching to Robinhood I was using Fidelity and paying $4.95 every time I wanted to buy or sell a position. The first few months of using Robinhood went well, but later in 2017, the problems with Robinhood started to pop up. The first thing that became apparent to me was Robinhood's reckless business practices. After signing up for the service, the SEC fined Robinhood $1.25 million because Robinhood did not tell investors that they were selling their order flow.Personally, I didn't assume that this was malicious, just that Robinhood was following the Silicon Valley mentality to "move fast and break things

No this is not clickbait, and yes I did fly from Minneapolis MN to Bangkok Thailand for the cost of a couple of Chipotle burritos.Add me on Instagram! - AppleCriderOfficialIn this video, I’m going to break down exactly how I did it and give you a simple 5 step framework you can follow to score yourself super cheap plane tickets to travel around the world when you want for the rest of your life.Plus, if you stick around until the end, I’ll show you where to find some of the best deals around when it comes to “almost free” travel.Sound cool? Let’s dive in.So I graduated from college about a year ago and I knew that once I graduated I wasn’t looking to get a job. I’d been running businesses throughout college and once I’d gotten a taste of doing my own thing, I knew there was not a chance I’d be giving that up. So when November rolled around and I was about a year away from graduating, I started to think about where I wanted to live and realized that I really had the potential to live anywhere. I decided that Th

Now in general, I’m not a fan of paying for a credit score and generally think it’s best to just be patient and build it over time. But I think it might make sense for some people who are thinking of applying for a significant loan or mortgage in the near future.So in this video, I’m going to break down how you can buy a 730+ credit score with only about $25.Add me on Instagram! - AppleCriderOfficialSo if you’ve heard anything about buying a credit score before, you’ve probably heard of buying tradelines. I give that a big thumbs down because you’re essentially paying someone to add you to a line of credit that they have had established for a while. These are deceptive, can cost thousands of dollars, and may sometimes qualify as bank fraud. So let’s steer clear of that.Instead of potentially committing a crime, I’m going to fill you in on a way to “buy” a credit score that is 100% by-the-books and approved of by banks as a legit way to establish your credit. This is by reporting your bill payments to the cred

in this video I’ll be diving deep into the no-credit-check Tomo Credit Card and give you the full picture and why you might want to tread lightly around this credit card company.Add me on Instagram! - AppleCriderOfficialSo I interviewed one of the co-founders, Kristy Kim, back in mid-2019. Since then they’ve gone on to go through the Barclays Accelerator (powered by TechStars), raise a few million dollars, and build a team of a dozen or so people. All that to say that although this is a newer company, they’re not totally fly by night.You’re not going to find Tomo Credit listed on BBB though, that’s largely due to the fact that they onlyNow I’m a big fan of the core offering of Tomo core offering, however, there’s a pretty significant issue that I see when it comes to the longevity of this company.Most of you know that the offering consists of a no-credit-required credit card that does not run a hard inquiry on your credit report. This is typically only a feature you will see with secured credit cards, but thi

These are the Top 5 WORST Money Mistakes to avoid in your 20s. If you can avoid these money traps as a college student and into your 20s, you'll be able to set yourself up for long-term financial success. Enjoy!Add me on Instagram! - AppleCriderOfficialIn this video, I'll be breaking down the 5 largest mistakes that I see people in their 20s making on a regular basis. While I was a college student, I saw tons of my peers falling into these money traps and severely hurting their finances from a few simple mistakes.Fortunately, it's very easy to avoid these mistakes and instead form good financial habits in your 20s. By the end of this video, you'll have a blueprint you can follow for how to be good with money in your 20s and beyond!If you have any additional money mistakes you think I missed, or you disagree with any of them, let me know in the comments! I'm always curious to hear what you think :)TIMESTAMPS00:00 - Intro00:30 - Not Taking Risks02:09 - Buying A New Car05:01 - Burning Through

Joe Biden's tax plan, while tailored specifically to increase taxes for the wealthy, will almost certainly impact your tax situation. In this video, I break down the full implications of Joe Biden's proposed tax plan and what that means for you.Add me on Instagram! - AppleCriderOfficialWith Joe Biden's stance on taxes being quite a bit different from Donald Trump's we can expect some significant changes in tax policy during the next administration. In general, this means higher taxes across the board but specifically targeted at high-income earners.Joe Biden's tax plan specifically identifies individuals making $400,000 or more as high-income earners and these individuals will take most of the increases in individual income tax. Some high earners will even see their combined marginal tax rate rise to over 60%, the highest we have seen since the 1980s.However, there are also a number of changes likely to come to investment taxes, gift and estate taxes, and corporate taxes that will impact t

Ryan Scribner was one of the first personal finance YouTuber's to make it big. Through spreading financial tips and investing strategies, Ryan was able to establish himself as a leader on the platform. Today we'll be diving into Ryan Scribner's Top 10 Financial Tips!Add me on Instagram! - AppleCriderOfficialIn this video, we'll be highlighting some of Ryan Scribner's top financial tips for people in their 20s. While these tips don't just apply from the ages of 20 - 30, they are tailored towards younger people who are just getting started out on their journey into personal finance.Growing up, it's tough to find high-quality personal finance information. If you're not lucky enough to be born to parents that have their finances figured out, you're kinda just on your own. It's made even harder to find valuable information given the surge of bad actors giving out BS information in an effort to convince you that your hard-earned cash would be better off in their pocket.As a 2

Opening a Roth IRA is hands-down the smartest financial decision a person can make in their 20's. However, the question of how to open a Roth IRA stops many investors in their tracks. By the end of this Fidelity Roth IRA tutorial, you'll have a step-by-step blueprint for exactly how to open a Roth IRA account!Add me on Instagram! - AppleCriderOfficialBy opening a Roth IRA at a young age, you can set yourself up for long-term financial success. That's because of the numerous tax advantages that Roth IRAs offer to investors. If you play your cards right, opening a Roth IRA could allow you to pay no taxes on your investments!But when it comes to how to open a Roth IRA, there are a ton of Roth IRA providers out there to choose from. It's important to think carefully about this choice because not all Roth IRAs are created equal! Some Roth IRA providers will have strict fees and minimums that will eat away at your retirement account. Other IRAs will force you to mail them a check just to make a depo

I got rejected for the Chase Ink Preferred Credit Card... Coming in with an 800 credit score this came as a bit of a shock especially because I had already been approved for the Chase Ink Preferred in the past.Add me on Instagram! - AppleCriderOfficialIn this video, I'll be breaking down exactly why I got rejected for the Chase Ink Business Preferred credit card so you don't have to. After a long history of getting approved for Chase credit cards (both business and personal), getting rejected for the chase ink preferred kinda threw me off.In hindsight, it was clear that I wasn't going to get approved for this card even though I had an 800 credit score. That's because of two big factors that I overlooked before applying for this business credit card from Chase.By the end of this video, you'll know exactly what those two reasons were for getting rejected for the Chase Ink Preferred as well as how to avoid making the same mistakes I did.The Chase Ink Preferred is far and away one of the best

Getting approved for business credit cards as a new business can be tough. Business credit cards often have confusing application processes that trip up new business owners. In this video, I'll be breaking down the business credit card approval process so you can get approved for any business credit card!Add me on Instagram! - AppleCriderOfficialBuilding credit as a new business is extremely important. There are so many benefits to establishing business credit and one of the easiest ways to get started is by opening a business credit card. Business credit cards can help new business owners get off the ground by providing access to capital to help them get started.Additionally, business credit card rewards are some of the best out there. Personally, I've gotten thousands of dollars of free travel just through business credit cards.In this video, I'm walking through a Chase Ink Preferred credit card application to show you exactly what you need to know to fill out applications and get approved for b

Here is everything you need to know about business credit cards in order to take full advantage of business credit in 2020. In this business credit cards for beginners video, I'll be sharing the 6 things you must know before applying for a business credit card Enjoy!Add me on Instagram! - AppleCriderOfficialBusiness credit cards are kinda complicated... From the rules around who can get them, to how they impact your credit score, to how to get a higher limit on them there’s a lot to know.And business cards are not something to ignore. The unique perks that business cards can end up scoring your business interest-free loans, building your business’s credit, and my personal favorite, scoring you a ton of free travel.By the time this video is over, you’ll know exactly how to take full advantage of business cards and have actionable strategies you can use to maximize the perks they have to offer.Plus: if you stick around until the end I’m going to show you a major mistake that most people make that prevents t

Caleb Boxx is an expert at YouTube automation and scaling cash cow YouTube channels. Today we are sitting down with Caleb to learn how he scaled his YouTube channels to $100,000 per month and how to make money on YouTube for beginners.Follow me on Instagram! - @AppleCriderOfficialOver the last 4 years, Caleb Boxx has been building YouTube channels and perfecting the process of YouTube automation. Today he runs a massive YouTube business and oversees over 100 freelancers and content creators that pump out YouTube content across dozens of channels.In our conversation, we discuss how Caleb got started in building YouTube channels and how relationships with famous YouTubers like MrBeast and Preston allowed him to rapidly scale his operations.The interview is action-focused and Caleb provides viewers will action steps that they can take in order to get started with YouTube automation. Caleb breaks down exactly how to come up with YouTube content ideas, how to pick a niche on YouTube, and how to make money on YouTu

Yotta Savings has been exploding in popularity lately and it's not why you might think... In this video, I'll be reviewing the Yotta Savings app as well as showing you inside my $40,000 Yotta Savings account.Sign up for Yotta Savings here! - https://www.applecrider.com/yotta (get 100 bonus tickets)Add me on Instagram! - @AppleCriderOfficialThe Yotta Savings app has been gaining massive popularity in the last few weeks since Graham Stephan's popular "I just bought a bank" video. Since the release of this video, there have been dozens of other videos talking about the Yotta Savings app. However, I think most of these videos miss the bigger point.This Yotta Savings Review will peel back the curtain on the real reasons why Yotta Savings is blowing up so quickly. This app has pioneered a new formula for growth and it is proving to be very successful. I believe many other fintech apps are going to take notice of the Yotta Savings growth strategy and follow suit.Additionally, we'll be address